We do see it; it's not predominant, but there's a lot of abuse that we see. We would see financial abuse. If you are lucky enough to be a senior homeowner and you have accumulated a lot of equity in your home, sometimes you want to take advantage of it and better your retirement, but sometimes there are other people who want to get access to that money for themselves.
At the end of a process of getting our product, we ask everyone to see an independent lawyer and get independent legal advice. Occasionally we get a call from the lawyer saying that their client showed up with a super-friendly family member and that the lawyer has concerns about undue influence and is not comfortable proceeding with a product.
We also have clients calling in to access additional funds. They tell us that they won a lottery and they need to make a small deposit payment to access the funds. Our call centre staff, our servicing staff, is very well trained to identify these issues and also to report them to authorities as required.